Cheap Auto Insurance for Drivers Over 70 in 2026 (Top 8 Low-Cost Companies)
Auto-Owners, Geico, and State Farm are our winners for cheap auto insurance for drivers over 70. Auto-Owners offers cheap car insurance for over 70 at $38/mo, and seniors with bad credit find rates as low as $46/mo with USAA. State Farm has the most car insurance discounts for seniors.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Jeff Root
Updated July 2026
563 reviewsCompany Facts
Min. Coverage for Drivers Over 70
A.M. Best
Complaint Level
Pros & Cons
563 reviews
19,116 reviewsCompany Facts
Min. Coverage for Drivers Over 70
A.M. Best
Complaint Level
Pros & Cons
19,116 reviews
18,157 reviewsCompany Facts
Min. Coverage for Drivers Over 70
A.M. Best
Complaint Level
Pros & Cons
18,157 reviewsCheap auto insurance for drivers over 70 can be found at Auto-Owners, Geico, and State Farm, with rates starting as low as $38 per month.
For drivers seeking cheap auto insurance for seniors, each company provides competitive rates and valuable discounts.
- Auto-Owners offers cheap auto insurance for seniors
- Geico and State Farm provide affordable coverage for drivers over 70.
- Shop around for quotes to get the cheapest auto insurance for seniors
Some of the other companies with the best auto insurance for seniors are listed below with each of their strengths and ratings. Looking beyond a single insurer allows you to compare pricing, coverage options, and overall value before making a decision.
While some providers stand out for low premiums, others excel in customer satisfaction, financial strength, or policy features tailored to older drivers. Evaluating these differences can help you select coverage that offers dependable protection at a competitive price.
9 Best Companies: Cheap Auto Insurance for Drivers Over 70
| Company | Rank | Monthly Rates | A.M. Best | Best for |
|---|---|---|---|---|
 | #1 | $38 | A+ | Add-Ons |
 | #2 | $41 | A++ | Low Premiums |
 | #3 | $44 | A+ | Broad Discounts |
 | #4 | $48 | A | Reliable Service |
 | #5 | $50 | A+ | Flexible Plans |
 | #6 | $52 | A | Trusted Support |
 | #7 | $55 | A | Comprehensive Coverage |
 | #8 | $58 | A+ | Custom Policies |
 | #9 | $60 | A | Policy Options |
Read on to learn more about auto insurance for seniors over 70. You’ll discover how age, driving history, coverage choices, and available discounts can affect both your premiums and the protection you receive.
You can also find the best senior auto insurance company in your area using our free quote tool. Comparing personalized quotes from multiple insurers makes it easier to identify the coverage that best fits your needs and budget.
#1 – Auto-Owners: Top Pick Overall
Pros
- New Cars: Offers gap insurance to help protect your investment if you finance or lease a new vehicle. Learn more in our Auto-Owners auto insurance review.
- Agents Are Local: Auto-Owners has local agents that provide personalized assistance for seniors over 70s who needs auto insurance.
- Accident Forgiveness: Qualifying drivers, including those over 70 with auto insurance, won’t see rate increases after their first at-fault accident.
Cons
- Availability: Auto-Owners policies are not sold in every state, which may limit your options depending on where you live. Coverage availability varies by location.
- Agent Quotes: You can’t get a quote online. Instead, you’ll need to contact an agent through the Auto-Owners insurance phone number.
#2 – Geico: Best for Competitive Rates
Pros
- Competitive Rates: Offers some of the most competitive auto insurance quotes for drivers over 70. Learn more about its pricing in our review of Geico auto insurance.
- UBI Discount: Geico’s DriveEasy program offers valuable senior auto insurance discounts to those who drive safely.
- Easy Policy Management: Geico’s website and app have high ratings, making it simple for seniors to manage their auto insurance over 70.
Cons
- Claims Rating: J.D. Power gave Geico an average rating for customer satisfaction with the claims handling process.
- Virtual Communication: Geico has few local agents, so most policy management and customer support is handled online or over the phone.
#3 – State Farm: Best for Wide Coverage
Pros
- Wide Coverage: State Farm provides auto insurance for over 70s in every U.S. state, so seniors can keep their coverage if they move.
- Discounts: As a leading provider of affordable auto insurance for seniors, State Farm offers various discounts to help lower rates.
- Financially Strong: High ratings for financial stability, which you can learn more about in our State Farm auto insurance review.
Cons
- Can’t Purchase Online: State Farm completes all purchases through a State Farm agent, so you can’t buy coverage directly through its website.
- DUI Rates: State Farm’s DUI rates are above the average, so drivers with a DUI on their record may wish to get quotes from other companies.
#4 – Erie: Best for Collision Repair
Pros
- Collision Repair: Direct repair program helps customers find a reputable repair shop in Erie’s system to make the process as simple as possible.
- Add-On Coverages: Includes gap insurance, rideshare coverage, and other optional protections. Learn more in our review of Erie auto insurance.
- Rate Lock: Erie’s rate lock is especially valuable for senior auto insurance holders. It ensures rates don’t change unless you add vehicles or drivers or have an address change.
Cons
- Availability: Unlike other auto insurance companies for over 70s, Erie is only available in a few states.
- No UBI Discount: Erie doesn’t have a UBI program to help seniors get the best value auto insurance for over 70s through safe driving discounts.
#5 – USAA: Best for Military Savings
Pros
- Military Savings: Offers low-cost auto insurance for eligible veterans and military members. Learn more in our USAA auto insurance review.
- Customer Satisfaction: USAA consistently earns high ratings from those seeking cheap auto insurance for elderly drivers.
- Bundling Options: USAA members with auto insurance for over 75 can save more by bundling with home or renters insurance.
Cons
- Eligibility is Limited: Seniors who are not veterans or military personnel cannot purchase USAA auto insurance.
- UBI in 47 States: USAA’s usage-based insurance program is not offered nationwide, so drivers in a few states cannot take advantage of its safe-driving discounts.
#6 – Nationwide: Best for Safe Driving
Pros
- Safe Driving: Nationwide’s SmartRide program rewards safe driving habits and can help eligible seniors lower their auto insurance premiums over time.
- Extra Perks With Coverage: Nationwide offers valuable extras for 70-year-old auto insurance holders, including pet injury coverage and key replacement.
- Bundling Options: Nationwide offers a bundling discount for customers who purchase more than one type of coverage.
Cons
- Availability: Nationwide’s auto insurance for over 75 years old isn’t available in every state, so coverage options may vary by location.
- Customer Satisfaction: Customers have given Nationwide’s claim handling some negative ratings. Learn more in our Nationwide auto insurance review.
#7 – Travelers: Best for Low-Mileage
Pros
- Low Mileage Discount: Retired drivers who log fewer miles each year may qualify for lower premiums with Travelers. Learn more in our review of Travelers auto insurance
- Accident Forgiveness: Good drivers won’t see increased rates after a first accident at Travelers.
- Coverage Options: Travelers offers a wide range of optional coverages and bundling opportunities, allowing drivers to customize their policies to fit their needs.
Cons
- Rideshare Insurance Limited: Travelers’ rideshare insurance is not available in most states, which may limit coverage for drivers who work with rideshare services.
- Customer Satisfaction: Some customers have reported below-average experiences with Travelers’ customer service, particularly during the claims process.
#8 – Progressive: Best for Discount Options
Pros
- Discount Options: Offers many discounts, which you can learn more about in our Progressive auto insurance review.
- Accident Forgiveness: Progressive’s accident forgiveness helps safe drivers avoid rate increases after an accident.
- Widely Available: Progressive provides auto insurance for drivers over 70 in all 50 states, making it a convenient option for seniors nationwide.
Cons
- Customer Reviews: Some customers have reported below-average experiences with Progressive’s claims handling, particularly regarding communication and claim resolution.
- Few Local Agents: Progressive primarily serves customers online and by phone, so in-person assistance through local agents is more limited than with some competitors.
Costs of Auto Insurance for Drivers Over 70
Now that we’ve covered the companies with the best auto insurance for seniors, it’s time to take a closer look at how premiums compare for drivers in their 70s. Rates can vary based on factors such as age, driving history, location, and coverage selections.
The comparison below highlights average insurance costs for senior drivers, making it easier to see how pricing differs among insurers. Reviewing these rates can help you identify companies that offer competitive coverage and better overall value for your budget.
Full coverage is more expensive, but senior drivers will be covered in accidents ranging from collisions with other cars to collisions with animals.Brandon Frady Licensed Insurance Producer
Below, you can see how the average auto insurance rates by age average auto insurance rates by age change between 70-year-old and 75-year-old drivers. Comparing these averages provides a clearer picture of how premiums may increase as drivers get older.
While age can affect auto insurance costs, factors like your driving record, location, vehicle, and coverage choices also influence your premium. Comparing these factors can help you better understand pricing and choose the right coverage for your needs.
Drivers Over 70 Auto Insurance Monthly Rates by Gender & Credit Score
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 70-Year-Old Female | $32 | $90 |
| 70-Year-Old Male | $31 | $90 |
| 75-Year-Old Female | $30 | $85 |
| 75-Year-Old Male | $29 | $85 |
Senior auto insurance for 75-year-olds is often slightly more affordable than coverage for 70-year-olds, as many insurers reassess risk over time. Rates still vary based on driving history, location, and coverage selections.
Even modest savings can make a difference, helping seniors lower their insurance expenses without sacrificing essential protection. Comparing quotes from multiple insurers can make it easier to find budget-friendly coverage at age 75.
Finding the lowest auto insurance rates for seniors is still possible by comparing quotes from multiple providers.
Companies that specialize in coverage for older drivers, such as Geico, may offer more affordable options.
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What Impacts Auto Insurance Rates for Seniors
In addition to age, there are also other factors that affect auto insurance rates for seniors. These considerations can significantly influence the amount drivers pay for coverage.
Senior motorists with clean driving histories generally qualify for lower premiums.
Those with tickets, at-fault accidents, or DUIs typically face higher insurance costs.
Auto Insurance Monthly Rates by Gender, Age, & Driving Record
| Age & Gender | Clean Record | Speeding Ticket | At-Fault Accident | DUI/DWI |
|---|---|---|---|---|
| 70-Year-Old Female | $75 | $95 | $115 | $135 |
| 70-Year-Old Male | $80 | $100 | $120 | $140 |
| 75-Year-Old Female | $70 | $90 | $110 | $130 |
| 75-Year-Old Male | $75 | $95 | $115 | $135 |
Your credit score plays an important role in determining how much you pay for auto insurance. Drivers with stronger credit profiles often qualify for more competitive monthly premiums.
The data below highlights how insurance costs can vary across different credit score ranges. Comparing these figures makes it easier to understand the impact of credit on your rates.
Drivers Over 70 Auto Insurance Monthly Rates by Gender & Credit Score
| Age & Gender | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| 70-Year-Old Female | $95 | $115 | $135 |
| 70-Year-Old Male | $100 | $120 | $140 |
| 75-Year-Old Female | $85 | $105 | $125 |
| 75-Year-Old Male | $90 | $110 | $130 |
If you have a poor credit score, comparing quotes from the best auto insurance companies for drivers with bad credit can help you find more affordable coverage. Shopping around gives you a better chance of securing a policy that fits both your needs and your budget.
Rates and discounts vary by insurer, so taking the time to evaluate several options can lead to meaningful savings. Choosing the right provider may also help you balance dependable protection with lower monthly premiums.
How to Get Cheap Auto Insurance for Drivers Over 70
Auto insurance rates for 70-year-olds vary by state due to local factors like traffic, weather, and claim trends. These conditions can significantly affect the premium you pay.
The table below shows the average auto insurance rates for drivers over 70 across different states. Reviewing these figures can help you see how pricing varies based on location.
Drivers Over 70 Auto Insurance Monthly Rates by Gender & State
| State | Age: 70 Female | Age: 70 Male | Age: 75 Female | Age: 75 Male |
|---|---|---|---|---|
| Alabama | $105 | $110 | $95 | $100 |
| Alaska | $115 | $120 | $105 | $110 |
| Arizona | $110 | $115 | $100 | $105 |
| Arkansas | $95 | $100 | $85 | $90 |
| California | $125 | $130 | $115 | $120 |
| Colorado | $115 | $120 | $105 | $110 |
| Connecticut | $135 | $140 | $125 | $130 |
| Delaware | $120 | $125 | $110 | $115 |
| Florida | $145 | $150 | $135 | $140 |
| Georgia | $125 | $130 | $115 | $120 |
| Hawaii | $100 | $105 | $90 | $95 |
| Idaho | $105 | $110 | $95 | $100 |
| Illinois | $110 | $115 | $100 | $105 |
| Indiana | $95 | $100 | $85 | $90 |
| Iowa | $90 | $95 | $80 | $85 |
| Kansas | $100 | $105 | $90 | $95 |
| Kentucky | $115 | $120 | $105 | $110 |
| Louisiana | $135 | $140 | $125 | $130 |
| Maine | $95 | $100 | $85 | $90 |
| Maryland | $120 | $125 | $110 | $115 |
| Massachusetts | $125 | $130 | $115 | $120 |
| Michigan | $145 | $150 | $135 | $140 |
| Minnesota | $110 | $115 | $100 | $105 |
| Mississippi | $95 | $100 | $85 | $90 |
| Missouri | $105 | $110 | $95 | $100 |
| Montana | $100 | $105 | $90 | $95 |
| Nebraska | $90 | $95 | $80 | $85 |
| Nevada | $125 | $130 | $115 | $120 |
| New Hampshire | $95 | $100 | $85 | $90 |
| New Jersey | $130 | $135 | $120 | $125 |
| New Mexico | $100 | $105 | $90 | $95 |
| New York | $135 | $140 | $125 | $130 |
| North Carolina | $100 | $105 | $90 | $95 |
| North Dakota | $90 | $95 | $80 | $85 |
| Ohio | $100 | $105 | $90 | $95 |
| Oklahoma | $105 | $110 | $95 | $100 |
| Oregon | $115 | $120 | $105 | $110 |
| Pennsylvania | $110 | $115 | $100 | $105 |
| Rhode Island | $125 | $130 | $115 | $120 |
| South Carolina | $105 | $110 | $95 | $100 |
| South Dakota | $90 | $95 | $80 | $85 |
| Tennessee | $95 | $100 | $85 | $90 |
| Texas | $115 | $120 | $105 | $110 |
| Utah | $110 | $115 | $100 | $105 |
| Vermont | $95 | $100 | $85 | $90 |
| Virginia | $105 | $110 | $95 | $100 |
| Washington D.C. | $115 | $120 | $105 | $110 |
| West Virginia | $100 | $105 | $90 | $95 |
| Wisconsin | $95 | $100 | $85 | $90 |
| Wyoming | $80 | $85 | $70 | $75 |
| U.S. Average | $100 | $105 | $110 | $110 |
If your state has higher-than-average premiums, taking advantage of discounts can help reduce your auto insurance costs. Many insurers offer savings opportunities that can make coverage more affordable.
Explore available offers for auto insurance for different types of drivers to find discounts that match your situation. Comparing these options may help you lower your monthly premium while maintaining the coverage you need.
Most insurance companies reward drivers who travel fewer miles each year with lower premiums because they spend less time on the road. Driving less also lowers the risk of accidents and claims, helping you qualify for more affordable auto insurance rates.
Comparing cheap auto insurance for infrequent drivers can help you find policies that reward low annual mileage. Reviewing multiple insurers increases your chances of getting the best value for your needs.
Best Coverage Types for Senior Drivers
Not sure which types of auto insurance are best suited for elderly drivers? Understanding your coverage options can help you choose a policy that fits your needs and budget.
The guide below highlights the best auto insurance options for drivers over 70, helping you find the right balance between reliable coverage and affordable rates.
Drivers Over 70 Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $58 | $172 |
| $52 | $160 |
| $38 | $124 |
 | $55 | $165 |
 | $38 | $132 |
 | $60 | $175 |
 | $48 | $140 |
 | $50 | $150 |
 | $45 | $145 |
While basic coverage typically costs less, it may not provide enough protection for every situation. Choosing the lowest-priced policy can leave important gaps in your financial security.
Many seniors discover that inexpensive insurance for drivers over 50 includes only limited benefits. Reviewing your coverage carefully can help ensure your policy offers the protection you need.
Seniors asking, “What is the cheapest auto insurance for seniors?” should look beyond the monthly premium when comparing policies. Considering your coverage needs can help you choose protection that offers better long-term value.
In many cases, the best option includes comprehensive auto insurance to protect against a wider range of risks. Selecting broader coverage can provide greater financial security and added peace of mind on the road.
While full coverage comes with a higher premium, it is often the recommended choice for most drivers seeking auto insurance after age 75. The added protection can provide greater financial security in the event of an accident or unexpected loss.
Although basic policies from insurers such as Auto-Owners Insurance may cost less, they typically include fewer protections. Investing in broader coverage can offer more complete peace of mind and reduce out-of-pocket expenses after a covered claim.
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Find the Right Auto Insurance Coverage for Drivers Over 70
Retired d rivers often enjoy lower average premiums because they typically spend less time behind the wheel.Reduced annual mileage can lower risk, helping many seniors qualify for more affordable coverage.
If your rates begin to increase, comparing quotes can help you find cheap auto insurance for drivers over 70. For additional guidance, read Top Seven Factors that Affect Auto Insurance Rates to better understand what influences your premium.
Don’t believe this myth! ⚠️ Talk to your independent agent about your home improvement projects today. 🔨 https://t.co/3CJhV5nXtC pic.twitter.com/RJ6PyD2LIe
— Auto-Owners (@AutoOwnersIns) December 2, 2022
You can also enter your ZIP code into our free quote tool to quickly compare auto insurance rates for seniors in your area. The process is simple and can help you identify competitive pricing from multiple insurers.
Reviewing personalized quotes makes it easier to find coverage that fits both your budget and protection needs. Comparing offers side by side can help you choose the policy that delivers the best overall value.
Frequently Asked Questions
How much is auto insurance for seniors?
It depends on the company, driving record, and more, but most drivers will be able to get the cheapest car insurance for over 70s by shopping around. Enter your ZIP code to find cheap auto insurance for drivers over 70 near you.
Who normally has the cheapest auto insurance for drivers over 70?
Auto-Owners often offers some of the cheapest auto insurance for drivers over 70. Comparing quotes from multiple insurers can help you find the lowest rate for your needs.
Which is the best auto insurance company for drivers over 70?
The best car insurance company for seniors is Auto-Owners, as they offer the best deal on car insurance costs for seniors.
Does the age of a driver affect auto insurance rates?
Yes, a driver’s age is one factor that insurance companies look at when determining a driver’s risk. For example, a teenage driver lacks driving experience and will, therefore, have higher rates than an experienced senior driver.
Is auto insurance for drivers over 70 cheaper with AARP?
Yes, some companies offer a senior discount for drivers over 70 if they are members of AARP (Learn More: AARP Auto Insurance Program from The Hartford Review).
Does car insurance cost more when you turn 70?
It depends on the company, but auto insurance costs for seniors don’t usually rise unless the driver’s driving record changes.
At what age is car insurance most expensive?
Auto insurance rates are usually the most expensive when drivers are teenagers. Read More: 10 Companies With the Cheapest Teen Auto Insurance.
Why do auto insurance rates for drivers over 70 go up?
Some insurance companies may raise rates due to age-related driving problems like vision loss. If your rates increase, ensure you are comparing company rates to find the cheapest senior car insurance.
Does Allstate or Geico have more expensive car insurance for those in their 70s?
Allstate usually has more expensive rates for senior auto insurance. For more information about the two companies, read our article on Allstate vs. Geico auto insurance.
Does credit score affect car insurance for drivers over 70?
Yes, your credit score can affect rates for drivers over 70. Enter your ZIP code into our free quote tool to find the best car insurance quotes for seniors.
How can seniors save money on car insurance?
Do retirees pay less for car insurance?
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